e-Insight - November 2021 - Non-Member by Big I Illinois

NOVEMBER 2021

INSIGHT LEADERSHIP &

Workplace Culture

Stories Leaders Need to Know About Employees How Employees Can Contribute to a Positive Work Environment

Plus

CONVO 2021 Wrap-Up

Experience you can trust. Service you can rely on.

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November 2021

Editor & Graphic Design - Rachel Romines | Advertising - Tami Hubbell

CONTENTS 14

12 14 16 20 22 24 27 28

CONNECT: An IIA of IL Member Community New Benefit for IIA of IL Members

How Would You Grade Your Hiring Process?

By Desiree Echevarria

How Employees Can Contribute to a Positive Work Environment

By Susan Heathfield

Stories Leaders Need to Know About Employees

By Alyson Van Hooser

10 Phrases Confident Leaders Use

By Marsha Egan

Building Trust and Rapport When Selling

By John Chapin

Replacing Professional Liability Requires Attention to Detail

By Curtis Pearsall

CONVO Wrap-Up

By Shannon Churchill

In This Issue

The Independent Insurance Agents of Illinois (IIA of IL) has been providing members with a sustainable competitive advantage since 1899.

7 9 10 13 19

President’s Message Brett’s 2 Sense Trusted Choice Industry

e-Insight

32 34 35 37 38

Associate News Agency Members in the News Board of Directors Profiles IIA of IL News Classifieds

info@iiaofil.org | www.iiaofil.org | (800) 628-6436 or (217) 793-6660 | Fax: (217) 793-6744

2009 • 2010 • 2011 • 2012 • 2013 • 2014 2015 • 2016 • 2017 • 2019 • 2020 • 2021

Insight is the official publication of the Independent Insurance Agents of Illinois (IIA of IL). The magazine is published monthly for the members of the IIA of IL, with the office located at 4360 Wabash Avenue, Springfield, Illinois 62711-7009; Consumer Website: www.ChooseIndependent.com. The IIA of IL welcomes letters discussing concerns of the insurance industry, articles, editorials, other matters of interest to the membership. The editor reserves the right to edit and select submissions for publication. Address submissions for review to Rachel Romines at rromines@iiaofil.org. For advertising information, contact Tami Hubbell at thubbell@iiaofil.org.

ADVERTISERS

Board of Directors Executive Committee

7 40 2 18

AMERISAFE APPLIED UNDERWRITERS ARLINGTON/ROE BERKSHIRE HATHAWAY GUARD INS. GROUP

ENVISION HEALTHCARE

GRINNELL MUTUAL

IMT INSURANCE

IPMG

JM WILSON

Cover Tip

OMAHA NATIONAL UNDERWRITERS

SECURA INSURANCE

UNITED FIRE GROUP

WEST BEND MUTUAL INSURANCE CO.

IIA of Illinois Staff Director of Information and Technology Shannon Churchill - (217) 321-3004 - schurchill@iiaofil.org

Director of Government Relations Evan Manning - (217) 321-3002 - emanning@iiaofil.org

Director of Education and Agency Resources Brett Gerger, CIC - (217) 321-3006 - bgerger@iiaofil.org

Office Administrator Kristi Osmond, CISR - (217) 321-3007 - kosmond@iiaofil.org

Accounting & Admin Services Tami Hubbell, CIC - (217) 321-3016 - thubbell@iiaofil.org

Director of Communications Rachel Romines - (217) 321-3024 - rromines@iiaofil.org

Director of Human Resources, Board Admin Jennifer Jacobs, SHRM-CP Director of Membership Services Tom Ross, CRIS, CPIA - (217) 321-3013 - jjacobs@iiaofil.org - (217) 321-3003 - tross@iiaofil.org Sr. Vice President/Chief Financial Officer Mark Kuchar Products & Services Administrator Janet White, CISR - (217) 321-3015 - mkuchar@iiaofil.org - (217) 321-3010 - jwhite.indep12@insuremail.net Chief Executive Officer Phil Lackman, IOM Director of Prof. Liability & Ins. Products Carol Wilson, CPIA - (217) 321-3005 - plackman@iiaofil.org - (217) 321-3011 - cwilson.indep12@insuremail.net Central/Southern Marketing Representative Lori Mahorney, CISR Elite - (217) 415-7550 - lmahorney@iiaofil.org

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president's message | INSIGHT

Thanks for Getting Together It was a whirlwind of a few days, but I genuinely believe CONVO 2021 was a huge success! I wanted to take this opportunity to thank everyone who took time out of their schedules to attend the event. I hope you had some great takeaways to bring back to your office and make new connections that can continue to benefit you and your business. You can view a full wrap-up of the event in this issue. Special thanks to all the sponsors and exhibitors this year. Without your support, the IIA of IL could not provide this superior of an event! I’m looking forward to getting together at future events. Until then, if you need anything at all - I’m here for you. As your association president for the next 12 months, I look forward to serving our members in all capacities. Have a great Thanksgiving!

Jay Peterson - IIA of IL President - (217) 935-6605 - jay@peterson.insurance

PREPARE FOR WINTER With frigid weather conditions on the horizon, don’t delay and send your submissions in today! Submitting early allows our Field Safety Professionals to visit worksites before the business shuts down for the winter. CONTACT US FOR MORE INFORMATION!

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insight

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insight

november 2021

e INSIGHT -

online journal at www.iiaofil.org/Resources/Insight

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WorkpERSHIP & lace C ulture

Storie s Lead ers Ne How ed to K now A Work EEmployees C bout E nviron mploye mentan Contribute es to a Po sitive Plus CONVO 2021 W rap-Up

The

TOP TEN Causes of

EMPLOYEE TURNOVER in 2021

(And How to Address Them) By Nora St-Aubin, Officevibe.com november 2021

In this month’s e-Insight. insight

STORIES

LEADERS Need to Know About

EMPLOYEES By Alyson Van Hooser

How do leaders know how to lead whom?

Storytelling and story seeking. 20

insight

november 2021

“I love spending hours trying to quote online.”

SAID NO AGENT EVER. No agent ever said they enjoy wasting time. But they have said fast online quoting with a clear understanding of appetite is key to a successful partnership. UFG Insurance listened.

Welcome to a better way to work online — because you deserve it. BOP-Pro Get down to (small) business with this robust businessowners policy, including select endorsements to take coverage to the next level. Pro-Quote Get from start to bind with fast efficiency thanks to smart tools and straight-forward appetite within this enhanced quoting experience.

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Providing members with a sustainable competitive advantage.

This content is for IIA of IL members only.

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iia of il

So G Everything we do at the Association is for you, our members. Although we enjoyed parts of the Virtual 2020 CONVO, the biggest piece missing was getting to see and interact with so many of you face-to-face. Held at the Crowne Plaza in Springfield, IL, on October 5-7, this year’s event brought back the elements of CONVO we all have come to know and love: Illinois’ largest industry tradeshow, one-of-a-kind education sessions led by industry experts, casino night, silent auction, and, of course, fun, fun, and fun! It felt good to be back in person and see those of you who could join us. The golf outing and education sessions kicked off the event, including the E&O Mock Trial and our nerdy best friend Beth Z, who presented Powered Productivity: Super Tech Tools to Help Us Get Stuff Done. Our Dutch Dine Around dinners and some company-hosted outings allowed attendees to network in a casual, intimate setting. Everyone came back for the popular casino night hosted by Young Agents. With the support of attendees, the Young Agents Committee was able to raise $800 for the Make-AWish Foundation. The General Session on Wednesday morning included two keynote presenters: Harrison Brooks of Reagan Consulting and Alyson Van Hooser. Both brought the house down with their presentations. Attendees couldn’t get enough and literally packed their afternoon breakout sessions. Attendees reported having lots of takeaways, and valuable information were some of the keywords I heard from those that attended. Our General Session also included the award presentations for Agent of the Year, Agency of the Year, Young Agent of the Year, Regional Director of the Year, and Chairperson of the Year. Check out the accompanying pages for pictures of some of the recipients. Following the General Session, we started what I believe will be a new tradition! Lunch featured local food trucks so everyone could get a taste of Springfield flair. It was all delicious, and we already have requests for items to feature next year. After lunch, attendees headed back to more breakout sessions where they could customize their schedules to fit their interests. The range of topics included sales, cyber, home-sharing, emerging trend roundtables, a legislative update, employment-related litigation, and more - a little something for everyone.

inside. But we made the best of it, and attendees enjoyed the great music from The Shenanigans and watched the MLB game on the big screen. The IIAPAC Silent Auction was back by popular demand and had a plethora of items for everyone to place bids. This year’s event raised $6,000 for IIAPAC and $2,000 for St. Jude Children’s Research Hospital. The event wrapped up Thursday morning with the State of the Association Address and Carrier Executives Panel featuring Dan Connell with Pekin Insurance, Rich Meuret with Liberty Mutual, Jim Schwalen with West Bend Mutual Insurance, and Jamie Whisnant of Auto-Owners Insurance. Topics discussed included workforce changes due to the pandemic, perpetuation and M&A, insuretech tools, change in marketing strategies, diversity, customer experience, and many more. Finally, a big thank you to everyone who came to get together with us. It was wonderful to have everyone back in person and to see all of you! Thank you to the exhibiting & sponsoring companies for supporting the event and the IIA of IL members. This event would not be possible without these groups coming together, and we thank you! Plans are already underway for 2022 - back at the Crowne Plaza in Springfield, October 4-6. Make sure you save the dates on your calendar now. Photo highlights can be found on the Association’s Facebook page at www.Facebook.com/iiaofil. Session recordings will be available to attendees soon. Wishing you could have attended this year to hear the great speakers? Stay tuned to www.ilconvention.com – we have a special announcement coming soon!

The tradeshow was the star of the show with over 100 exhibitors providing information to attendees. Seeing everyone back together, sharing and collaborating, was definitely a highlight! Check out the website for a list of all the exhibitors. We finished Wednesday with the Party in the Parking Lot, which, due to weather, had to be moved

insight

november 2021

Good to Get Together

By Shannon Churchill

Award Recipients

Agency of the Year

Daniel McNeely

Bailey Family Insurance

Unland Companies

Young Agent of the Year

Regional Director of the Year

Chairman of the Year

Agent of the Year

Tyler Sandrock

(Less than 10 Employees)

Joe Heneghan

(10+ Employees)

Randy Jacobs

Photo Highlights on Next Pages november 2021

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november 2021

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INSIGHT | associate news Thank you to our Associate Members.

Diamond Level

Platinum Level

Progressive Surplus Line Association of Illinois

Gold Level AAA Insurance Arlington/Roe Blue Cross/Blue Shield of IL Keystone Insurance Group, Inc. Pekin Insurance

Silver Level Grinnell Mutual Reinsurance Company Imperial PFS

IMT Insurance West Bend Mutual Insurance Co.

Bronze Level A. J. Wayne & Associates AMERISAFE Auto-Owners Insurance Co. Badger Mutual Insurance Company Berkshire Hathaway Guard Insurance Companies Chubb ClickVSC Columbia Insurance Group Continental Western Group Cowbell Cyber CRC Group Donald Gaddis Company, Inc. Donegal Insurance Group EMC Insurance Encompass Insurance Encova Insurance Foremost Choice Property & Casualty Foremost Signature Auto & Home Forreston Mutual Insurance Company Frankenmuth Insurance Grange Insurance Homeowners of America Insurance Company Illinois Mine Subsidence Ins. Fund Illinois Public Risk Fund Indiana Farmers Insurance Insurance Program Managers Group 32

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J C Restoration J M Wilson Kemper Liberty Mutual/Safeco Insurance Madison Mutual Insurance Company Marble Box Marsh, Berry & Company Maximum Independent Brokerage, LLC Mercury Insurance Group Midwest Insurance Company Nationwide Previsor Insurance PuroClean Emergency Restoration Services RT Specialty - Naperville ServiceMaster DSI Society Insurance Specialty Risk of America Synergy Select The McGowan Companies Travelers UIG - The Agent Agency United Fire Group Utica National Insurance Group W. A. Schickedanz Agency, Inc./Interstate Risk Placement Western National Insurance Westfield november 2021

associate news | INSIGHT Rockford Mutual Insurance Company Named One of 2021 Best Places to Work in Illinois

Rockford Mutual Insurance Company (RMIC) was recently named as one of the 2021 Best Places to Work in Illinois. This awards program began in 2006, promoted by The Daily Herald Business Ledger in partnership with the Illinois Chamber of Commerce, MRA-The Management Association, the Small Business Advocacy Council and Best Companies Group. This statewide survey and awards program was designed to identify, recognize, and honor the best places of employment in Illinois, benefiting the state’s economy, workforce and businesses. The 2021 Best Places to Work in Illinois list is made up of 35 companies in the small employer category (15-99 U.S. employees), 22 companies in the medium employer category (100-499 U.S. employees), and 12 companies in the large employer category (500 or more U.S. employees). RMIC has been named one of the Best Places to Work in Illinois in the small category. Statewide, companies entered the two-part process to determine the Best Places to Work in Illinois. Approximately 25% of the total valuation is based on workplace policies, practices and demographics; while 75% of the total valuation is based off of an employee survey to measure the employee experience. Best Companies Group managed the overall registration and survey process in Illinois, analyzing the data and using their expertise to determine the final rankings. RMIC will be recognized and honored at the Best Places to Work in Illinois awards virtual ceremony coordinated by The Daily Herald Business Ledger on Thursday, May 13. The final rankings will be announced at the event, posted on the Business Ledger website, and published in a special commemorative section on June 21. An unranked list of all honorees will be announced in the April 26 issue of the Business Ledger.

West Bend Honored as a National Best Company and Workplace

West Bend Mutual Insurance Company was recently honored with several best company/best workplace honors from national organizations. America’s Best Insurance Companies 2022 In its inaugural edition of this national award list, West Bend was recognized by Forbes as one of America’s Best Insurance Companies 2022! This recognition was created through a survey of 16,000 U.S. consumers who provided recommendations for insurance products in seven categories: Auto, Homeowners, Renters, Pet, Term Life, Permanent Life, and Dental. Consumers were asked about their overall satisfaction with their insurance products and their willingness to recommend them to others. Forbes also assessed the quality of the company’s customer service, financial advice, price/performance ratio, transparency, and damage/benefit ratio. Of the thousands of companies eligible for this recognition, West Bend is one of only 90 to make this list. America’s Best-In-State Employers The company was named one of America’s Best-In-State Employers in 2021 by Forbes and market research company Statista. After compiling anonymous survey responses from 80,000 Americans working for companies with at least 500 employees, the final list of 1,330 employers was divided into 51 rankings, one for each state and the District of Columbia. West Bend ranked ninth and was the highestranked insurance company on the list of 75 Wisconsin employers. America’s Best Employers for Women Forbes and market research company Statista named West Bend one of America’s Best Employers for Women in 2021. West Bend was a top-10 company in the insurance industry. The 300 companies included on the list were chosen based on an independent survey of 50,000 employees currently employed at companies with at least 1,000 workers in their U.S. operations. The survey sought opinions from all respondents on general work topics like working conditions and development opportunities. It also asked women to rate their own employers on topics especially relevant to women, such as parental leave, flexibility, discrimination, and pay equity. Best Workplaces for Millennials™ Fortune and Great Place to Work® recognized West Bend as one of the Best Workplaces for Millennials in 2021. Inclusion on the list was based on anonymous survey feedback to more than 60 questions. Eighty-five percent of the award evaluation was based on what millennials say about their experiences of trust and reaching their full human potential as part of their organization, no matter who they are or what they do.

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INSIGHT | agency members in the news TW Group, Inc. Celebrates 75th Year Anniversary

The year was 1946, when 24-year-old Naval Bombardier Tom Walsh finished his enlistment and returned from war. On the advice of one of his Naval Officers/mentors, he entered the insurance business as an agent trainee at the Travelers Insurance Company. He spent his first few years working at 175 West Jackson in Chicago, known as the Insurance Exchange building. Upon completion of training, Tom moved his agency to the Southwest side of Chicago and began doing business as the Tom “Insurance” Walsh and Associates agency. The agency grew and added other insurance company partners while focusing on commercial and personal property and casualty and some life and health lines of business. In 1972, Tom moved the business to Hinsdale to get closer to the I-88 (formerly I-5) corridor where many commercial opportunities were growing. For years, Tom and his wife, Mary Anne built and worked the business together, while also raising their 10 children. In 1976 the first of three children Mary Therese (Teri) joined the agency. At the same time, Tom Jr. entered the Travelers Agent Development Program (thirty years after his dad) and began his insurance career. In 1979, Tom Jr. completed the Travelers program and joined his parents and sister in the family agency. The agency lost Its founder, Tom Sr., to cancer in 1980, but to this day continues to immulate his ethical and professional commitment to their clientele and agency partners.

Cooley Joins Allen Insurance Group

Lisa Allen, owner of Allen Insurance Group, LLC, is pleased to announce that Laramie Cooley has joined the Allen Insurance Group team as a Licensed Insurance Agent. Laramie comes to Allen Insurance Group with over seven years of insurance and sales experience. Her experience and skills will increase the company’s capacity to meet the needs of the area customers as the company continues to grow. “I’m thrilled to join Lisa and her team. We’ve known each other for years and I’ve always appreciated the respect and dedication that each customer receives,” Laramie said. “I look forward to helping customers find the perfect level of coverage and value to protect their family or business while working with a truly talented group of professionals.” Laramie, and her husband Sean, live in Edwardsville with their two kids and enjoy making the community their own. Originally a military family, they decided to make our area theirs 10 years ago. Allen Insurance Group is an independent insurance agency located in the Maryville/Edwardsville area that offers personal home, auto, business, and life insurance coverages. As an independent agency they are able to reach out to several different insurance carriers in order to find the best match of coverage for each individual need. Allen Insurance Group was established in 2015 by Lisa Allen and the group brings together over 20 years combined insurance experience in the Illinois and Missouri markets.

Tom Jr. and Mary Anne (Mom) continued growing the business, while Teri moved to Connecticut to complete her college education. Teri eventually stayed in Connecticut and became partner and then owner of Sachs Walsh Insurance in Westport, CT. Bob Walsh also joined the agency after college and worked a number of years before focusing on the benefits business and starting a benefits agency of his own. In 1992, the agency again suffered the loss of one of its founders, when Mary Anne (Mom) was killed in a car accident. Shortly after Mary Anne’s passing, another Mary (Tom Jr.’s wife) joined the firm. In 1993, the agency re-branded as the TW Group, Inc. as it is known today. In January of 2000, the agency moved from Hinsdale to Westmont and in 2006 built the office building it currently resides in today. The second-generation family-owned agency has 18 employees, represents multiple standard insurance companies, and remains dedicated to building a clientele with their best interests in mind, one relationship at a time. The team at TW Group is looking forward to year 76 and beyond! The IIA of IL Board of Directors and Staff send a big congratulations to TW Group.

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november 2021

Board of Directors Profiles Steve Foster

Farm Agents Council Representative Musso Insurance Agency, LLC, Virden, IL Agency Owner Number of Years with Agency: 10 Year You Started in Insurance: 2006 Education: Bachelors Degree from Blackburn College What do you feel are major challenges facing our Association today? I feel the association is fighting an uphill battle with our lawmakers. It seems our lawmakers are constantly attacking our licensing dues, or taxation inside life insurance policies. The association does a great job of trying to keeping on top of these issues. What do you see at the greatest benefit to IIA of IL membership? The networking with carrier representatives and other like minded individuals. Most agency owners are very similar, we have similar staff sizes and similar issues inside the office. The networking events allow agency owners to exchange ideas about the best way to deal with issues facing our agency.

Jeff McMillan

At-Large Board Member

McMillan Insurance Services, Inc, Gilman, IL President Number of Years with Agency: 20 Year You Started in Insurance: 1989 Education: Graduate of the University of Illinois What do you feel are major challenges facing our Association today? I feel the biggest challenge today is finding quality people to work in our agencies. What suggestions do you have to respond to these challenges? I think we need to get out into the high schools and colleges and let the future workforce see what our industry actually does and how rewarding it can be.

november 2021

What do you see at the greatest benefit to IIA of IL membership? There are many benefits to belonging to the association from education to legislative updates but I feel my biggest benefit is the camaraderie of the other agents that I meet through the association. insight

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VP, New Business Development Bob.Spring@ipmg.com 630.485.5885

iia of il news | INSIGHT

Education Classes november

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E&O-Homeowners Endorsements & PIM Webinar Pre-Licensing-Property & Casualty Virtual E&O Roadmap to Personal Auto & Umbrella Ins Webinar CIC - Commercial Property Springfield & Virtual

n! Perso

In-

Agents E&O: Duties, Operations, Checklists Webinar E&O – Meeting the Challenge of Change Webinar E&O Roadmap To Cyber & Privacy Insurance Webinar Pre-Licensing-Life & Health Virtual Agents E&O: Documentation, Social Media, Cyber Webinar E&O: Identity Theft, Red Flags, and Money Laundering Webinar CISR - Personal Lines Miscellaneous erson! Springfield In-P

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december

1 2 2 6 6 7 8 8 8 9 13 16 16

E&O Roadmap to Personal Auto Webinar Flood Insurance and the NFIP Webinar Agents E&O: Duties, Operations, Checklists and More Webinar Pre-Licensing-Life & Health Virtual E&O-Roadmap to Homeowners Endorsements Webinar The Evolution of Ethics in Insurance Webinar Pre-Licensing-Property & Casualty Virtual E&O – Meeting the Challenge of Change Webinar CIC-Ruble Virtual Agents E&O: Documentation, Social Media, Cyber Webinar E&O Roadmap to Personal Auto Webinar CISR-Insuring Personal Auto Exposure Virtual E&O: Identity Theft, Red Flags, and Money Laundering Webinar

insight

INSIGHT | classifieds for the insurance professional by the insurance professional

OPPORTUNITIES/SPACE AVAILABLE/RETAIN OWNERSHIP

13. We are a 100 year old Northbrook agency looking to discuss any mutually beneficial opportunity. Our producers, mergers, clusters and agency purchases receive 50% commissions on new and renewal business without any expenses. We can provide: office space, phones, agency management system, service renewals and changes. The companies we represent are: Badger Mutual, Employers Mutual, General Casualty, Guide One, Hartford, Kemper, Progressive, Rockford Mutual, Safeco, State Auto, Travelers and Met Life. Contact:

Nancy Solomon Martini, Miller & Schloss, Inc. (847) 291-1313 Ron@martini-miller.com

AGENCY WANTED

20. Since 2004, Central Illinois Agents Group LLC has been providing independent agents with a variety of markets with contingency opportunities. Agents have availability to several markets that they may not be able to sustain or maintain on their own. We have markets for personal, commercial, agricultural and crop insurance lines. Let us help you get to the next level.

Visit www.ciagonline.com for contact information.

INDEPENDENT INSURANCE AGENCIES WANTED

17. We are an Independent family-owned agency located in the Chicago area. We are looking to expand through growth and acquisition. If you have a small to medium sized agency and are looking to sell, call or send us a message. We are strictly looking for Personal Lines and Small Commercial accounts with preferred companies.

INSURANCE AGENT POSITION AVAILABLE

19. Lansing, Illinois agency is seeking an Insurance Agent to join our team! You will be responsible for expanding the company’s book of business by selling various types of insurance policies to new and existing clients. • Must have at least 3 years insurance experience and active Illinois AND Indiana Insurance license for P&C and Life & Health (resident and/or non-resident) • No sales quotas • Outlook Mail and Microsoft Office Products • Knowledge of AMS360 a plus, not required

Cheryl Abbott Schultz Insurance Agency (708) 474-1310

AGENCY/AGENTS/PRODUCERS WANTED

02. Forest Park/Oak Park agency for over 60 years, will meet your needs by providing space, markets, marketing & sales support, automation, merging with or purchasing your agency. Perpetuation/ Succession Plans, BuySell Agreements also available. We have experienced, educated and dedicated staff for you and your clients. Have access to our numerous companies, office services and many other resources. Retain ownership in your book with contingency. Please look closely at us- we are an agency you want to do business with! We’ve done it before, we know how- we make it easy! Visit our website at forestagency.com/agents.html, or call for a confidential discussion and a list of Agency benefits. Dan Browne will provide an agency evaluation/appraisal at little cost to you. Please call:

Dan Browne or Cathy Hall Forest Insurance (708) 383-9000 www.forestinsured.com/mergers-acquisitions

GALO Insurance Agency, Inc (847) 832-0888 steve@galoagency.com

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november 2021

Commercial | Personal | Farm-Ag | Specialty

Matthew B. Illinois Sales Manager

Tricia B. Personal Lines Underwriter

Tyler H. Agribusiness Lines

Underwriter

Honest relationships SECURA’s team of insurance experts is making insurance genuine. They are here to support you and your clients. Our underwriting teams are quick to reply, open-minded, and know their stuff. Plus they are backed by our caring claims group who will get your clients back on their feet.

Interested in building a relationship? Contact us at secura.net/IL-agents.

Tyler S. Specialty Lines Underwriter

Kelly L. Commercial Lines Underwriter

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